Consent of Independent Auditors


The Board of Directors
SJNB Financial Corp.

We consent to the  incorporation  by  reference in the  registration  statements
on Form S-8 (Nos.  33-31392 and 333-89013) of SJNB Financial Corp. of our report
dated  January 20, 2000,  relating to the  consolidated  balance  sheets of SJNB
Financial Corp. and subsidiary as of December 31, 1999 and 1998, and the related
consolidated  statements  of  income,  shareholders'  equity  and  comprehensive
income,  and cash  flows for each of the years in the  three-year  period  ended
December 31, 1999, which report appears in the December 31, 1999,  annual report
on Form 10-K of SJNB Financial Corp.


/s/ KPMG



San Francisco, California
March 2, 2000